Sharanshankar M P
@sharanshankarmp
Credit Analyst at Loan Analytix, structuring £2m+ in monthly SME loan applications and reducing underwriter queries by 15%.
United KingdomWhat I'm looking for
At Loan Analytix, I structure and pre-screen £2m+ in monthly SME loan applications, analyzing CRA reports and financial statements. I also track early warning signals across a monitored pipeline of 150+ accounts, helping reduce underwriter queries by 15%.
At State Bank of India, I sanctioned £15m in SME lending within approved risk tolerances and helped reduce Non-Performing Loans by 12% year on year across a £45m portfolio. I built financial models and used SQL to produce credit risk MI for management decisions.
As a Credit Analyst, I designed an automated risk-based decisioning model that cut assessment time by 50%. I hold an MSc in Business Analytics from Aston University and am seeking a Senior Credit Analyst or Credit Risk Analyst role in Birmingham, London, or a remote or hybrid setup.
Experience
Work history, roles, and key accomplishments
Credit Advisor
Loan Analytix
Oct 2025 - Present (1 year)
Acted as a remote analytical support function for a financial intermediary, structuring and pre-screening £2m+ in monthly SME loan applications via secure backend channels.
Ensured strict adherence to customer privacy and data protection protocols while analyzing CRA reports and complex financial statements to package robust, institutional-grade applications.
Tracked performance metrics across a
Process & Controls Analyst
Learn with Lolonyo
May 2025 - Aug 2025 (3 months)
Generated £45,000 in new revenue by interrogating sales MI and large market datasets using advanced Excel to assess the commercial viability of products.
Reduced time-to-market by 30% by mapping the end-to-end publishing workflow, successfully automating manual data bottlenecks to improve reporting speed.
Lifted overall profitability by 22% by monitoring a portfolio of 40+ digital products, trac
Credit Analyst
Full-time
Sep 2019 - Aug 2024 (4 years 11 months)
Improved first-time approval rates by 25% by interrogating Credit Reference Agency (CRA) data and internal MI using SQL and advanced Excel to segment risk profiles across 500+ applications.
Cut credit assessment time by 50% and increased viable volume by 30% by designing an automated, risk-based decisioning model in Excel to evaluate borrower capacity at the top of the funnel.
Reduced the appli
Assistant Manager Credit (Equivalent to SME Credit Analyst)
State Bank of India
Dec 2014 - Aug 2019 (4 years 8 months)
Sanctioned £15m in SME lending within approved risk tolerances, achieving an 85% first-time approval rate by presenting well-supported recommendations to sanctioning authorities.
Drove a 12% year-on-year reduction in Non-Performing Loans (NPLs) across a £45m portfolio (120+ exposures) by conducting annual reviews and tracking limit utilisation and delinquency.
Built and maintained advanced Excel
Education
Degrees, certifications, and relevant coursework
Aston University
Master of Science
Modules: Decision Models; Programming for Data Analytics; Data Mining and Visualisation.
IEEE SSET SB
Bachelor of Engineering
Bloomberg
Bloomberg Finance Fundamentals
Aug 2025
BCS, The Chartered Institute for IT
BCS Foundation Certificate in Business Analysis V4.0
Jan 2026
DataCamp
Data Literacy certificate
Mar 2026
DataCamp
AI Fundamentals certificate
Mar 2026
KYC Lookup
Foundation in AML and KYC
May 2026
DataCamp
Data Analyst Associate certificate
Jun 2026 · Expires Jun 2028
DataCamp
SQL Associate
Jul 2026 · Expires Jun 2028
DataCamp
Python Data Associate
Aug 2026 · Expires Aug 2028
Corporate Finance Institute® (CFI)
Spot Foreign Exchange
Sep 2026
Corporate Finance Institute® (CFI)
Math for Finance Professionals
Sep 2026
Corporate Finance Institute® (CFI)
Excel Fundamentals – Formulas for Finance
Sep 2026
Corporate Finance Institute® (CFI)
Equity, FX, and Rate Futures
Sep 2026
Corporate Finance Institute® (CFI)
Accounting Fundamentals
Sep 2026
Aston University
Master's degree, Business/Commerce, General
2024 - 2025
Corporate Finance Institute® (CFI)
Options Hedging and Trading Strategies
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Corporate Finance Institute® (CFI)
Algorithmic Trading - Strategy Design and Execution Techniques
Oct 2026
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Trading Using Technical Analysis
Sep 2026
Corporate Finance Institute® (CFI)
Cash Flow Cycles and Analysis
Oct 2026
Corporate Finance Institute® (CFI)
Professional Ethics
Oct 2026
Tech stack
Software and tools used professionally
Availability
Location
United KingdomAuthorized to work in
Salary expectations
Social media
Job categories
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